农户借贷与均田制瓦解

发布时间：2018-01-05 02:04

本文关键词：农户借贷与均田制瓦解　出处：《湘潭大学》2015年硕士论文　论文类型：学位论文

【摘要】：本文选题意义:三农问题一直是困扰我国经济转型的一个重点难点课题。基于历史与现有政策等诸多原因,我国大多数的农户仍以落后的小农经营为主。这使得我国的农村金融存着严重问题:1、小农经济规模小,自身资本不足,短期资金需求较高;2、农户经营模式单一,抗风险能力差;3、农村金融供给不足,不但存在“显性”的金融排斥,更存在着“隐性金融排斥”。均田制是我国土地制度沿革中重要的一环,其政策设计与我国现行土地政策有着诸多的相通之处;两种模式下的农户也具有诸多相似之处。均田瓦解的过程中金融对农户扶持无效的历史教训,对研究现代农村金融的发展有着相当的借鉴意义。但是目前国内外对中农户借贷在均田制瓦解中作用的研究还是一片空白。本文在结构上,将从以下四个方面展开研究:1、对放款一方的主体性质以及资金来源进行分类,依此为依据划分借贷模式,分析几种借贷模式下农户的借贷负担。2、对借贷关系的借入方——均田农户进行研究。在分析均田农户经营状况、与借贷负担在基础上,列出其在不同模式下均田户进行借贷前后的支付集情况。3、联立借贷双方,建立博弈策略、构筑完整博弈树,分析均田农户的借贷行为,了解农业借贷对小农经营的影响。确定不同借贷模式在均田制瓦解的作用。4、本文着重分析义仓社仓制度,通过研究该制度对均田户的扶持作用,以及其扶持作用的局限性。并根据这些经验教训,对我国现行农村金融模式提出一些具有可行性的改进方案。创新点与不足:本文采用了博弈论的方法研究金融史问题,通过博弈策略分析农户借贷行为对小农经营所产生的影响,得出结论:证明了利率水平在农户借贷决策行为中的重要性;在均田制瓦解的过程中,农户借贷扮演的作用具有二重性;所构筑博弈模型也可以用于分析现代农户在借贷行为。由于历史年代在久远,造成大量数据已经无法获得。因此本文在数据收集与分析上存在着精确度不足在缺点。
[Abstract]:In this paper, the significance of the topic: agriculture has been a key and difficult problem of economic transformation in China. The history and existing policies and other reasons, most of the farmers in our country is still dominated by backward smallholder management. It makes our country's rural finance exists serious problems: 1, small agricultural economy is small, its capital lack of short-term capital requirement; 2, single farmer pattern, anti risk ability is poor; 3, inadequate supply of rural finance, not only the existence of "dominant Financial Exclusion", there are more "Hidden Financial Exclusion". This system is China's land system evolution in an important part of its design and policy in China the current land policy has many similarities; also has two modes of farmers have many similarities. The financial collapse in this process on the lessons of history to support farmers invalid, has on the development of modern rural financial research When the reference. But at home and abroad to study this system in rural credit collapse effect is still a blank. The structure of this paper, the study from the following four aspects: 1, the classification of the main properties of one of the loans and funding sources, on the basis of dividing lending model, analysis of the farmers some lending under the mode of borrowing burden of.2, research on land farmers borrowing - lending relationship. In the analysis of land farmers operating conditions and the burden of debt on the basis of the list in different modes of household borrowing to pay land before and after the set.3, simultaneous lending, the establishment of game strategy, construct the complete game tree this household borrowing behavior, analysis, understanding of the impact of agriculture on lending to small business lending. Determine the different patterns in the.4 system collapse, analysis on the system of granary warehouse, through research The system support function to the land users, and the limitations of its supporting role. According to these lessons, put forward some feasible improvement scheme of the current rural financial model in our country. The innovation points and deficiencies: This paper uses the method of game theory, financial history research questions, through the game analysis of the impact of farmers. Due to the small business lending behavior concluded: to demonstrate the importance of interest rates in farmers' decision-making behavior in lending; in the process of the disintegration of the land equalization system, borrowing the role of duality; construct game model can also analyze modern farmers in borrowing for. Due to historical era in time, resulting in a large number of data have been unable to obtain. So based on the data collection and analysis are lack of accuracy in the shortcomings.

【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.35;F323.6

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